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Management Of Non Performing Assets In Banking Sector
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Book Synopsis Management of Non-performing Advances by : T. V. Gopalakrishnan
Download or read book Management of Non-performing Advances written by T. V. Gopalakrishnan and published by Northern Book Centre. This book was released on 2004 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book deals with the problem of Non-Performing Advances (NPAs) in public sector banks and its impact on the banks' books, banking and financial system of the economy. Recognizing the inevitable and festering nature of the problem, the author has come out, inter alia, with a statistical model as an innovative, simple and practical solution to contain NPA formation to ensure a strong balance sheet for banks and improved image of the borrowers. The author claims that the solution will prove to be a win-win situation for all stakeholders of banks including the economy, and its constituents Government, shareholders, depositors, borrowers, employees and others. Salient Features Changes brought about in banks under Banking Sector Reforms. • Emergence of NPAs in banks. • Problem of NPAs: Its causes and effects. • Performance of Public sector banks on management of NPAs. • Impact of NPAs on the economy, banks’ balance sheets and profit and loss accounts. • Suggestions to contain NPAs from the angles of banks, borrowers, Government, Regulator and others. • A Statistical Model developed to contain formation of NPAs, strengthen banks' balance sheets and develop an emotional rapport between banks and borrowers.
Book Synopsis Management of Non-Performing Assets in Banking Sector by : Nalla Bala Kalyan
Download or read book Management of Non-Performing Assets in Banking Sector written by Nalla Bala Kalyan and published by . This book was released on 2020-03-03 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt: An asset of a bank (such as a loan given by the bank) turns into a Nonperforming asset (NPA) when it ceases to generate regular income such as interest etc for the bank. In other words, when a bank which lends a loan does not get back its principal and interest on time, the loan is said to have turned into an NPA. While NPAs are a natural fall-out of undertaking banking business and hence cannot be completely avoided, high levels of NPAs can severely erode the bank's profits, its capital and ultimately its ability to lend further funds to potential borrowers. Similarly, at the macro level, a high level of Nonperforming Assets means choking off credit to potential borrowers, thus lowering capital formation and economic activity. So the challenge is to keep the growth of NPAs under control. Clearly, it is important to have a robust appraisal of loans, which can reduce the chances of loan turning into an NPA. Also, once a loan starts facing difficulties, it is important for the bank to take remedial action. The study focus on Asset classification and trends of NPAs, compare sector wise NPAs during branch expansion, predict and analyze NPAs by Markov's transition matrix and its application to loan tracking, impact of NPAs on the profitability and productivity of banks, Recovery methods, loan administration activities and factors influencing NPAs from Banker's & Borrower's perspective in selected banks.
Book Synopsis Non-performing Assets in Commercial Banks by : Dr. Vibha Jain
Download or read book Non-performing Assets in Commercial Banks written by Dr. Vibha Jain and published by . This book was released on 2007 with total page 362 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contents Include : Introduction; Npa Concept And Prudential Norms; Trends Of Non-Performing Assets; Prevention Of Non-Performing Assets; Management Of Npas; Npa Management In Perspective; Annexure.
Book Synopsis Managing Non-Performing Assets in Indian Public Sector Banks by : Sk Mujibar Rahaman
Download or read book Managing Non-Performing Assets in Indian Public Sector Banks written by Sk Mujibar Rahaman and published by Exceller Books. This book was released on 2022-09-30 with total page 189 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book provides a comprehensive coverage of a burning issue faced by the banking industry in India, namely, the problem of Non-Performing Assets (NPAs). The book elucidates the theoretical exposition of NPAs in the first instance. It also demystifies the trends in movement of NPAs and thereby expounds efficiency in NPA management by Public Sector Banks, PSBs, in India. Recognising the inevitable and festering nature of the problem, the author has come out, inter alia, with a data-driven approach to measure financial performance and thereby assessed impact of the problem on different performance areas of banks. The book also investigates the major factors causing the problem of NPAs of the Indian PSBs. Finally, the author provides certain recommendations for the banks and the government that can help manage NPAs and strengthen the banking industry in the country.
Book Synopsis Management Of Non-Performing Assets In Banks by : Sugan C. Jain
Download or read book Management Of Non-Performing Assets In Banks written by Sugan C. Jain and published by . This book was released on 2005-01-01 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Management of Non-Performing Assets in the Indian Public Sector Banks by : Goutam Bhowmik
Download or read book Management of Non-Performing Assets in the Indian Public Sector Banks written by Goutam Bhowmik and published by LAP Lambert Academic Publishing. This book was released on 2010-11 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The occurrence of NPAs has been the single most vexing problem faced by the Indian Public Sector Banks (PSBs). In view of several adverse effects of NPAs both on banking and overall economy, the management of NPAs has become a crucial issue.Efforts of RBI & Govt.of India, however, seems to be inadequate. The present work, therefore, examined a number of relevant issues w.r.t management of NPAs in the PSBs with special reference to largest commercial bank, State Bank of India (SBI). Apart from discussing the means and strategies of managing NPAs in PSBs & SBI, the work provided a theoretical framework relating to NPAs and history of PSBs.It also covered areas like, NPA management framework in pre-reform period, NPAs in the priority sector and non priority sector lending, accounting and disclosure of NPAs, reduction of NPAs in Private Sector Banks and PSBs, etc. The work should help to provide an in-depth knowledge about the meaning, nature, causes, problems, progress and implication of one of the vexing problems of banking sector. The work would be useful to the academicians and professionals or anyone who have keen interest in the field of accounting, finance, banking and management
Book Synopsis Management of Non-Performing Assets in Indian Banks and Its Challenges by : Sujoy Dhar
Download or read book Management of Non-Performing Assets in Indian Banks and Its Challenges written by Sujoy Dhar and published by . This book was released on 2016 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: Increase in non-performing assets has become a major area of concern for all stakeholders of Indian banking players. Provisioning requirements, consequent to higher non-performing assets and higher interest expenses have put pressure on the banks' profitability. The objectives of the study are to compare and contrast the performance of Indian banking sector with respect to its peer nations with specific emphasis to accumulation of NPA, to identify the causes of increase in NPAs in Indian banks and to recommend the necessary means through which NPA can be reduced to a significant extent. The research paper has taken into consideration the secondary data available in several research articles published in the different reputed national and international journals downloaded from EBSCO host and Emerald. Apart from these, different knowledge reports available in the public domain are also considered as the source of key information inputs. The paper will give a new dimension in the literature of NPA management after taking into account the guidelines of the Basel Committee on Banking Supervision to manage the credit risk. The focus of the research work is to identify the scope and direction of Indradhanush framework, an innovative initiative by the Ministry of Finance, Government of India to combat against the curse of NPA. The paper analyses the impact of recapitalization of Indian banks and puts a major impetus on knock out ratio to judge the financial health of the banks.
Book Synopsis MANAGEMENT OF NON PERFORMING ASSETS IN PRIORITY SECTOR ADVANCES OF PUBLIC SECTOR BANKS IN KARNATAKA by : Suresh B
Download or read book MANAGEMENT OF NON PERFORMING ASSETS IN PRIORITY SECTOR ADVANCES OF PUBLIC SECTOR BANKS IN KARNATAKA written by Suresh B and published by Lulu.com. This book was released on 2013-07-16 with total page 89 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study is mainly confined to Mandya District in the state of Karnataka. The main focuses of the study is on the problem of NPAs in Canara Bank only and also see how the effective measures has enabled the banks to raise their profitability. The study also focused on growth and performance of Canara Bank in Mandya District.
Book Synopsis Management of Non-Performing Assets - A Comprehensive Model for Assessment by : Fareed Ahmed
Download or read book Management of Non-Performing Assets - A Comprehensive Model for Assessment written by Fareed Ahmed and published by . This book was released on 2017 with total page 9 pages. Available in PDF, EPUB and Kindle. Book excerpt: In a bank led economy, the concern for effective management of non-performing assets (NPAs) in the Indian banking sector is relevant. The most commonly used indicators for assessing the performance of banks, have been Gross NPA (GNPA) and Net NPA (NNPA) ratios. But the techniques adopted by banks for NPA reduction vary widely and play a significant role in the improvement of quality of NPA management of banks. After an in-depth analysis of various factors affecting NPA management in banks, this paper makes an attempt to compare the performance of Indian banks with respect to various aspects of NPA management, by developing an index which will enable one to have a clear understanding of the bank's performance vis-à-vis its peers. By constructing this index, the study revealed that, though the economic downturn was faced by all banks, deterioration in asset quality and poor NPA management was not reflected across all bank groups and PSBs share a disproportionate and increasing burden in case of NPAs among the bank groups and divergence among banks in the same group.
Book Synopsis Banking Industry and Non-performing Assets (NPAs) by : Arun Kumar
Download or read book Banking Industry and Non-performing Assets (NPAs) written by Arun Kumar and published by . This book was released on 2018-02-09 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Apart from significantly improving the stability of the financial system, banking sector reforms in India since 1991 have supported the transition of the Indian economy to a higher growth path. In comparison to the pre-reforms period, the Indian banking system today is more stable and efficient. However, these gains need to be consolidated into a mature financial system to meet the challenges of financial globalization. Many new processes, products and services offered by banks and other financial intermediaries are now IT-centred. Banks have traditionally been at the forefront of harnessing technology to improve their products, services and efficiency. They have, over a long period of time, been using electronic and telecommunication networks for delivering a wide range of value added products and services. In spite of the technological advances made by the banking system, it is afflicted by a slew of formidable problems, the chief being the accumulation of non-performing assets (NPAs). India's financial system and economic stability are facing a serious threat due to continuous one-way movement of the NPAs. The enactment of Securitisation, Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002 was an important landmark in the ongoing reforms in the financial sector. The Act enables the setting up of asset management companies, addressing the problem of NPAs of banks and financial institutions and enhancing rights of the creditors. This book provides a vivid account of the banking sector reforms in India since 1991. More importantly, it analyzes the various aspects of the problem of NPAs of banks with the help of data/information available in public domain. [Subject: Business Studies, Banking & Finance, India Studies, Banking Law, Economics, History]
Book Synopsis Management Of Non-Performing Assets In Banks And Financial Institutions by : B. Ramachandra Reddy
Download or read book Management Of Non-Performing Assets In Banks And Financial Institutions written by B. Ramachandra Reddy and published by Serials Publications. This book was released on 2008 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Book Arises Out Of A Seminar Held On The Subject At Venkateshwara Univeristy. 38 Papers By Bankers And Academicians. Provides Information On The Subject Of Npas Which Are Useful For The Banks And Financial Institutions. A Good Reference Work In The Field.
Book Synopsis A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks by : Dr Preeti Sharma
Download or read book A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks written by Dr Preeti Sharma and published by . This book was released on 2017 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: The asset quality of banks is one of the most important indicators of their financial health. It also reflects the effectiveness of banks' credit risk management and the recovery environment. It is important that the signs of distress in all stressed accounts are detected early and those which are viable are also extended restructuring facilities expeditiously to preserve their economic value. (RBI/2012-13/208). The Indian banking sector has been facing severe problems of raising Non- Performing Assets (NPAs). The NPAs growth directly affects the profitability of banks. The problem of NPAs is not only affecting the banks but is affecting the economy as a whole. In fact high level of NPAs in Indian banks is nothing but a reflection of industry and trade. NPA do not generate any income, whereas, the bank is required to make provisions for such as assets. (Olekar and Talawar, 2012). NPAs do not just reflect badly in a bank"s account books, they adversely impact the working of economy. There are many research conducted on the topic of Non- Performing Assets (NPA) Management, concerning particular bank, comparative study of public and private banks etc. In this paper the researcher is considering the aggregate data of select public sector and private sector banks and attempts to compare analyze and interpret the NPA management from the year 2010 -2015. On the conceptual side, it gives an overview of NPA, various types of NPA and its cause. The tools used in the study are Least square method and ANOVA. The findings reveals the percentage of Gross NPA to Gross advances is increasing for public banks, the Estimated Gross NPA for 2014-15 is also more in public banks as compared to private banks and from the ANOVA test, it is concluded Ratio of Gross NPA to Gross Advances for public sector and private Sector Banks does not have significant difference between 2010 to 2015.
Book Synopsis Management and Control of Non Performing Assets (NPA) in Indian Public Sector Banks by : Dr. S K. Misra
Download or read book Management and Control of Non Performing Assets (NPA) in Indian Public Sector Banks written by Dr. S K. Misra and published by . This book was released on 2016 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: India's legal system has traditionally been friendly towards borrowers and famously inefficient and slow in the recovery of loans and interest. As a result, once a bank provides a loan or advance to a borrower, it has very little bargaining power in terms of calling the loan back or getting its hands on assets that formally securitize that particular loan or advance. In India, the whole banking sector and particularly the public sector banks till recently suffered from considerable amount of non-performing assets (NPAs). The paper studies the effectiveness of Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002 in controlling and solving the problem of non-performing assets of public sector banks. The study found that NPAs in public sector banks have been declining continuously from Rs. 56,156.43 crores (10.67% of Gross Advances) in 2001-2002 to Rs. 55,171.48 crores (2.31% of Gross Advances) in 2009-2010 since the implementation of the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act. There is a decline of 80.10% in non performing assets in public sector banks as a whole during the period of study. The study revealed that the enactment of SARFAESI Act was highly successful and effective in reducing and controlling the amount of non- performing assets of public sector banks. The study also recommends Indian public sector banks should continue to remain focused in their recovery efforts of non-performing assets, in order to maintain the positive and effective trend of improving the quality of their assets.
Book Synopsis Management Of Non-Performing Assets by : Narain Prashad Agarwal
Download or read book Management Of Non-Performing Assets written by Narain Prashad Agarwal and published by . This book was released on 2004 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Modeling the NPA of a Large Indian Public Sector Bank as a Function of Total Assets by : Rajveer Rawlin
Download or read book Modeling the NPA of a Large Indian Public Sector Bank as a Function of Total Assets written by Rajveer Rawlin and published by GRIN Verlag. This book was released on 2011-12 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt: Scientific Study from the year 2011 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1, Dayananda Sagar College of Engineering (Department of Management Studies), course: Non Performing Assets, Banking, language: English, abstract: Non-performing assets (NPA) are the loans given by a bank or a financial institution where in the borrower defaults or delays interest and / principal payment. The management of NPAs therefore, is a very important part of credit management of banks and financial institutions in the Country. Currently NPA estimates in India are predominantly obtained from figures published by the Reserve Bank of India (RBI). However it would be helpful for banks and financial institutions to have an estimate of the NPA as soon as loan amounts are disbursed. This study attempted to develop a predictive model for the NPA% at both the gross and net level from the total assets of one of India's largest public banks. A strong correlation was observed between gross and net NPA% and the total assets suggesting that estimates of gross and net NPA can be made from total assets. Linear and non linear models were fit to predict the NPA% from the total assets. A non linear model linking both Gross and net NPA to total assets provided the best curve fit and the least deviation from actual values. Thus by simply looking at the banks total assets an overall picture of the banks NPA level can be ascertained.
Book Synopsis Research on Npa Management by : Vandana Joshi
Download or read book Research on Npa Management written by Vandana Joshi and published by LAP Lambert Academic Publishing. This book was released on 2012 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Advance is heart and recovery is oxygen for the bank and for the bank to survive it is necessary to give advances and recover the amount at the appropriate time.After the global financial turmoil in 2008, Indian banks begin the new year with a lurking fear that their Non Performing Assets (NPA) would go up with their portfolios coming under severe stress. This book contains research work done on the NPA management in Co-operative Banking sector.It covers various aspects like credit policy, NPA management, recovery management, etc. It contains identification and concept of NPA, various stages of non-collectible financial assets and suggestions for effective recovery management.This book will help all the readers in understanding the critical problem of NPA in banking sector.It will be helpful to all the students who want to do research in the same field
Book Synopsis How to Assess the Benefits of Nonperforming Loan Disposal in Sub-Saharan Africa Using a Simple Analytical Framework by : Irina Bunda
Download or read book How to Assess the Benefits of Nonperforming Loan Disposal in Sub-Saharan Africa Using a Simple Analytical Framework written by Irina Bunda and published by International Monetary Fund. This book was released on 2021-06-08 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt: The coronavirus (COVID-19) crisis, which has hit financial systems across Africa, is likely to deteriorate banks’ balance sheets. The largest threat to banks pertains to their loan portfolios, since many borrowers have faced a sharp collapse in their income, and therefore have difficulty repaying their obligations as they come due. This could lead to a sharp increase in nonperforming loans (NPLs) in the short to medium term.
